This discount program is NOT a health insurance policy or a Medicare prescription drug plan and does not make payments directly to medical service providers. Members are obligated to pay for all medical services, but may receive discounts on medical services from participating providers and the discount range will vary depending on provider type and medical services received. The program does not meet the minimum creditable coverage requirements under Massachusetts G.L. c. 111M and 956 CMR 5.00 and is not a Qualified Health Plan under the Affordable Care Act. For residents of CO, FL, IN, LA, MD, MO, NH, NY, OH, TN, TX, UT, VT, and WV, if you cancel within the first 30 days after activation you will receive a full refund, except for the enrollment fee where permitted by law. This refund will include the enrollment fee for residents of TN and VT. Program administered by Avia Dental Plan, Inc., Mull Center, 1025 Main Street, Suite 916, Wheeling, WV 26003, 1-888-431-2273, cancellations@aviadental.com , www.aviadental.com.